BARCLAYS BANK DELAWARE

2017-11-22

Washington, DC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-22

Flor, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-21

CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with customer service
Complaint: I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager. She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-21

Cheverly, MD

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: Barclay 's closed my and my wife 's ( XXXX XXXX XXXX and XXXX XXXX XXXX ) credit cards at the end of XX/XX/XXXX with no notification or justification for the closure. I attempted to use my card and it was declined, which is how I learned of the card closure. We received letters in the mail 2 weeks later that provided a vague reason of we can close accounts at any time we see fit. I had XXXX reward points in my account and my wife had XXXX in reward points at the time of the closure. I asked for those points to be redeemed to our accounts at a value of XXXX cent per point ( {$960.00} and {$160.00} ), which is how we always redeemed our rewards via travel redemptions. Barclays refused to redeem the rewards and said they the points had been lost ( and confiscated ). I do not believe this is how this should have been handled and I request that Barclays honors the rewards points I had in my and my wife 's account and reimburse us for those confiscated points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-21

Salton City, CA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I have 5 different CD accounts with Barclays Bank. They have all been funded and have recieved proof of funds being placed into all 5 accounts accounts in the mail from Barclays Bank stating the facts and account information as well as emails from them stating these same facts. Now that one of my CD accounts have reached maturity I would like to transfer the funds to another account as contract states I 'm allowed to and Barclays Bank is not allowing this saying that I am not able to do this because I have not verified deposits into my account. They say the send these test deposits into my accounts but I never actually recieve them resulting in me not ever being able actually to link an external account to Barclays and thus not being able to transfer my funds. They are not allowing me acces to the funds in any of my 5 accounts because of this. Yet they are still using my borrowed funds from all 5 accounts and not allowing me access to my owned accounts and funds. This is illigal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-21

Sarasota, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: This complaint is about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX members XXXX XXXX is XXXX and XXXX XXXX speaks English as a second language. She did not know the meaning of the word rescission. Below is the email I received. The CFPB has not been able to help timeshare members. I believe a large part of the reason is because timeshare buyers do n't even know the name of the lender because the servicing of the loan is sublet to the resort and the resort is not an option to file a complaint. I apologize for always selecting Barclays if the lender is not XXXX but there is no other option if the identity of the lender is kept from the member. Today I published this article about XXXX XXXX 's resignation. Despite the lack of any successful investigations, members have appreciated the CFPB hearing their complaints and have appreciated Barclays at least acknowledging the complaints, even if they ca n't do anything because Barclays does not physically open the account like timeshare sales agents. XXXX XXXX XXXX XXXX and XXXX XXXX 's email to me XX/XX/XXXX I read your XXXX about complaint for XXXX. XXXX. Yesterday, before we left XXXX XXXX, we had a meet with XXXX XXXX salesman, we were told that our Sliver must be upgraded to VIP GOLD since maintenance fee of Sliver will be raised ... After long talking about 2 hours, we were forced to signed up and agreed with their VIP GOLD plan, The increased amount is {$51000.00} plus new monthly payment about {$780.00} for their maintenance fee ... .. Later I just find out it is too late for cancelling VIP GOLD plan ... This reason : I am a retired person and no more income .... XXXX does not have any work ... We were told that we must pay maintenance fee in our whole life.. We would like to stop VIP GOLD agreement and get back our money ... We live in XXXX XXXX . Is it possible to hire any good lawyer for help? Please advance. XX/XX/XXXX I told the XXXX they did not need a lawyer as they were in the cancellation period. I had XXXX XXXX find the form and email it overnight XXXX XXXX as well as email the form. I have heard timeshare companies, especially XXXX refuse certified letter or refuse to accept an overnight package in an effort to dodge the rescission period. I hope they are allowed to rescind. What XXXX told me next was shocking. XXXX XXXX said when they tried to cancel at the resort they were told it was too late and that if they did they would be charged {$8000.00} for the XXXX XXXX that came with the package they purchased XX/XX/XXXX. Needless to say, this was not true. You might write the XXXX 's off as confused but I have received 201 complaints from XXXX XXXX readers concerning XXXX XXXX. This family was at XXXX XXXX in XXXX XXXX. I have received 22 complaints just from XXXX XXXX XXXX XXXX and one agent XXXX XXXX is a household name among law firms suing the company. I have received six complaints just against him. There are many XXXX agents employing the same tactics to up-sell to be able to sell points, pay maintenance fees or told they should not have purchased XXXX or XXXX Collection points, agents from the same company selling against each other. The Oral Representation clause has been used and abused by timeshare sales agents. XXXX XXXX XXXX XXXX, launched in response to the XXXX XXXXXXXX, says the agent SHOULD not deviate from sales materials. What good is that if the oral representation clause is still in the contract. I understand an oral representation clause is in many contracts, but timeshare is ripe with " pitching heat '' or XXXX days as described by XXXX whistle-blower XXXX XXXX. XXXX 's second highest producing sales agent just filed a lawsuit in XXXX District Court alleging deceptive practices that match what I have received in complaints from members. Her name is XXXX XXXX. I hope the CFPB will ultimately do something to stop predatory timeshare lending, despite XXXX XXXX 's departure. I doubt it, but continue to hope. I imagine XXXX will rescind this contract which means the XXXX will not need to file a complaint. I still wanted the CFPB to know about it because it is so awful. I have attached the complaint filed on behalf of XXXX sales agent XXXX XXXX and the 22 complaints from XXXX XXXX/XXXX, the XXXX are # 22
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-21

Yucca Valley, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-21

Lynn, MA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-11-21

Staten Island, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-21

Jersey City, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-20

Phoenix, AZ

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: Lawsuit and judgment filed against me for a defaulted credit card from Barclays Bank in XXXX XXXX Court Arizona. Owed amount is {$2500.00}. Police officer in XXXX served my girlfriend at the time I was not home 2x with the judgement which clearly violates the FDCPA. I have documentation to support. I want this debt cleared or I will counter sue for violations seeking {$1500.00} per violation as I am a careered XXXX XXXX and know all the laws of the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-20

Charlotte, NC

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/XXXX LL Bean refunded XXXX to a Barclay 's XXXX Credit Card. This card was closed due to very poor customer service in XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this refund and have been told I will get a check. Recently, XX/XX/XXXX, I followed up with Barclays and was told I would get a check and given case number XXXX. On XX/XX/XXXX, I called again and was told there is no such refund and the agent made a mistake and the cased number is invalid. I escalated this to a manager without resolve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-20

Oak Grove, AL

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-20

Carmel, IN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-19

MA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I saw a promotion for a new XXXX credit card through XXXX XXXX XXXX that said if I spent {$1000.00} in 3 months I would get XXXX points. I was approved for the card and received it in the mail in XXXX XXXX 2017. I did not use the card until I was ready to book my vacation in XXXX XXXX 2017, and spent over well over {$1000.00} then. Months after booking my vacation I did not receive my points. When I called XXXX customer service they refused to give me the points stating that the promotion was for XXXX points at the time when I activated the card. Furthermore, that by the time I activated the card and made a qualifying purchase, the promotion had ended. However, I still see them advertising this promotion. I only chose to open a credit with them, because the reward made the most sense for me at the time. I am still using the credit card, and do not want to close it because of how that would impact my credit. I just want the reward I was promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-11-19

Long Island City, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Delay in processing application
Complaint: I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-18

OH

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I 've tried making my payment this month on due date the XX/XX/XXXX, no payments get through, you ca n't reach a live person says system updating, I 've called several times the last few days with no luck. Is something going on? I should not be charged late fee. I 've even tried getting online and says Same thing system updating can not look at any information. I 'm worried about how this will affect my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-18

Grovespring, MO

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: Every time I pay XXXX the payments are not going through until later dates and every time I am charged late payment fee. This fraudulent activities were going on for a three or four months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-17

Chula Vista, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-17

Coppell, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-17

Meridian, AR

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-16

Patterson, MD

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Complaint: I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-16

Acushnet, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-11-16

Kilgore, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-16

Sacramento, CA

Closing an account

Checking or savings account: Savings account

Company closed your account
Complaint: My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response